ZIP Code 98528 — Belfair CDP, WA Demographics & Data

ZIP code 98528 covers Belfair, WA in Mason County with a population of about 12,398.

At a glance, the area shows median age of 41.4 versus a U.S. median of about 38.9.

It sits in telephone area codes 360, 564; U.S. House district WA-6; the SEATTLE - TACOMA media market.

Belfair, WA reads as a military / base-oriented community on US5’s intent model (elevated veteran share (18.7%) and/or base-related place names). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

Median household income in ZIP 98528 is about $85,571 — about 14% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.1%; unemployment rate near 7.4%; 16.0% of adults with a bachelor’s degree or higher (about 17.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Retail trade, and Healthcare; about 5.0% of workers reporting work-from-home (about 10.2 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $367,400 — about 6% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $934 (about 20% below the U.S. median rent ($1,163)), and owner-occupancy near 81.3% (about 15.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 98528 in Belfair, WA, a household would need roughly $101,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,360. That is about 18% above the local median household income ($85,571), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Belfair CDP, WA as Relatively Moderate (composite score 85.3), which is elevated versus much of the country. The strongest component scores on US5 are flood (79.3) and wildfire (44.1). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Belfair CDP, WA show little to no average snow and around 56.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 666 for ZIP 98528 (Belfair CDP, WA) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.